There’s no butt about it
It’s expensive to get life insurance if you like smoking cigars. Ditto for pipe or chewing tobacco users. However, certain insurance companies understand that the risk of these habits are far less than inhaling cigarettes and may classify you as a non-smoker. Yes, cigar smoker’s life insurance is become increasingly more understanding insurance underwriting guidelines.
As a casual cigar or pipe smoker, you may be eligible for the standard nonsmoker risk classification if you:
• Meet all standard criteria and other criteria described in underwriting guidelines
• Use chewing tobacco, pipe or cigars
• May test positive for nicotine by urine sample
• Have not used cigarettes in the past 12 months
Serenity Wealth Insurance offers a variety of alternative programs for clients with special circumstances. Life insurance is not out of reach! Contact us now to find out how we can provide you with affordable insurance.
Go to the Calendly.com calendar link below to schedule an appointment with an expert, Curtis Hill. Discover how an as cigar smoker you can easily obtain life insurance to protect your family or provide for tax free retirement cash flow. Learn how “Not the same old advice” can benefit you.